Southside Bancshares vs Amalgamated Financial
This page compares Southside Bancshares and Amalgamated Financial on business models, financial performance, and market context in a neutral, accessible way. It explains how these organisations operate and position themselves within their sector, offering factual context for readers. Educational content, not financial advice.
This page compares Southside Bancshares and Amalgamated Financial on business models, financial performance, and market context in a neutral, accessible way. It explains how these organisations operat...
Investment Analysis
Pros
- Southside Bancshares has a diversified service offering including consumer and commercial loans, wealth management, brokerage, and trust services in key Texas markets.
- The bank shows solid profitability ratios with a normalized return on assets of 1.09% and a return on equity of 11.38%, indicating efficient capital use.
- Trading at a reasonable valuation with a price-to-earnings ratio of 9.55 and price-to-book ratio near 1.03 suggests an attractive valuation relative to some peers.
Considerations
- Southside Bancshares' operations are geographically concentrated primarily in Texas, which could expose the bank to regional economic downturns.
- The company does not publicly disclose liquidity ratios such as quick or current ratios, limiting transparency on short-term financial health.
- Lower scale with only 778 employees might restrict competitive advantage against larger regional or national banks in technological investments.
Pros
- Amalgamated Financial Corp reported solid loan growth and an improving net interest margin of 3.59%, supporting core earnings expansion.
- The company maintains strong capital adequacy with a Common Equity Tier 1 capital ratio of 13.90% and tangible common equity ratio of 8.41%.
- Recent dividend increase of 17% reflects confidence from the board and provides income appeal to investors.
Considerations
- Amalgamated Financial operates as a regional full-service commercial bank, which can be exposed to localized economic and regulatory risks.
- The stock has only a consensus 'hold' rating with limited analyst coverage, indicating a less clear growth or value proposition.
- Lack of detailed publicly available financial data and updates beyond quarterly results limits comprehensive evaluation for investors.
Buy SBSI or AMAL in Nemo
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Comparisons
Southside Bancshares vs SLR Investment
Southside Bancshares vs SLR Investment
Southside Bancshares vs Eagle Point Credit
Southside Bancshares vs Eagle Point Credit
Southside Bancshares vs LexinFintech
Southside Bancshares vs LexinFintech